Lending Disclosures

1. Loan Types We Offer

Grand Funding primarily offers business-purpose real estate financing secured by eligible property in Arizona and California. Owner-occupied, primary-residence, or consumer-purpose transactions, if available, are considered only in limited, case-specific circumstances and may require additional documentation and review. Contact Grand Funding before applying.

Loan products available:

• Fix-and-flip loans (purchase + rehab)
• Bridge loans (short-term acquisition and transition financing)
• Construction loans (ground-up and major renovation)
• Second position loans (junior liens behind an existing first mortgage)
• Cash-out refinance (occupancy eligibility reviewed case by case)
• Land and other case-reviewed financing

2. How Transaction Terms Are Set

This website does not publish standardized product ranges. Rates, points, loan sizing, leverage, fees, and final terms are determined only after direct review of the specific transaction and are provided in writing.

3. Typical Fees and Closing Costs

A transaction may include lender charges and third-party costs. The applicable rate, points, fees, and other charges are provided in writing after review and again in the transaction's final documents.

• Origination charges: Provided after transaction review
• Processing and underwriting: Transaction-specific
• Appraisal or BPO: Third-party provider pricing, when required
• Title insurance and escrow: market rates set by title provider
• Recording fees: per county schedule
• Construction-draw inspections: Provider and project-specific pricing
• Legal and document preparation: Transaction-specific
• Wire and courier fees: at cost

Any prepayment provision or minimum-interest period is transaction-specific and is disclosed in writing before closing.

4. Transaction Review and Documentation

5. Primary Business-Purpose Focus and Case-Specific Occupancy

Grand Funding primarily offers financing for business, commercial, or investment purposes, including eligible acquisition, renovation, construction, refinance, and land transactions. Owner-occupied, primary-residence, or consumer-purpose transactions, if available, are considered only in limited, case-specific circumstances and may require additional documentation and review. Contact Grand Funding before applying.

Each applicant must accurately describe the proposed use, property occupancy, and transaction purpose. Eligibility, required disclosures, and documentation are determined for the specific transaction.

6. Equal Credit Opportunity

Grand Funding complies with the Equal Credit Opportunity Act (ECOA) and Regulation B. We do not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The federal agency that administers compliance with this law is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20552.

7. Fair Housing

Grand Funding supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, disability, familial status, or national origin in the sale, rental, or financing of housing.

8. Arizona-Specific Disclosures

Regulator

Arizona mortgage originators are regulated by the Arizona Department of Insurance and Financial Institutions (AZDIFI), 100 N. 15th Ave. Suite 261, Phoenix AZ 85007; phone (602) 771-2800; difi.az.gov.

Arizona Transaction Review

Transactions involving Arizona property are reviewed for program eligibility, purpose, occupancy, required documentation, and applicable Arizona requirements.

9. California-Specific Disclosures

Regulator

California private real estate lending activity is regulated primarily by the California Department of Financial Protection and Innovation (DFPI), 2101 Arena Blvd., Sacramento CA 95834; phone (866) 275-2677; dfpi.ca.gov. Consumer complaints against licensed lenders may be filed through DFPI's online portal.

California Transaction Review

Transactions involving California property are reviewed for program eligibility, purpose, occupancy, required documentation, and applicable California requirements.

California Privacy Rights

California residents have specific rights regarding personal information under the CCPA/CPRA. See our Privacy Policy — California Privacy Rights section for details and instructions to submit requests.

California Foreign Language Translation

If this loan was negotiated primarily in Spanish, Chinese, Tagalog, Vietnamese, or Korean, Grand Funding will provide the final translated summary of the loan terms as required by California Civil Code § 1632 prior to execution of loan documents, where applicable.

10. Transaction-Specific Pricing and Payment Information

Grand Funding does not publish representative pricing or payment examples. Any applicable rate, APR, points, fees, payment structure, and total cost are transaction-specific and are provided in writing after review.

Rates, points, loan sizing, leverage, and final terms are provided only after Grand Funding reviews the specific transaction. This website is not a commitment to lend.

11. Not a Commitment to Lend

Nothing on this website, in advertising material, or in informal communication constitutes an offer, commitment, or promise to lend. All loans are subject to property appraisal, title clearance, underwriting review, final approval, and execution of loan documents. Terms for any specific applicant depend on the transaction and are provided only after direct review.

12. Contact and Regulator Information